Home Inspection State Practice Exam 2025 - Free Home Inspection Practice Questions and Study Guide

General liability insurance is essential for home inspectors as it provides coverage for damages that may occur to a homeowner's property during the inspection process. This type of insurance protects the inspector against claims arising from accidents and property damage that could happen while they are on the premises. For example, if an inspector accidentally knocks over a valuable item or causes damage to the property, general liability insurance would cover the costs related to those damages.

This coverage is crucial as it reassures homeowners that they are protected if something goes wrong during the inspection. It not only safeguards the inspector’s financial well-being but also builds trust with potential clients, ensuring them that the inspector is responsible and prepared for unforeseen incidents that might occur in the course of their work.

While the other types of insurance listed play important roles in different contexts—professional liability covers claims arising from professional negligence, health insurance pertains to personal medical costs, and property insurance protects one's own business assets—they do not specifically address the risks associated with damages to a homeowner's property during inspections.